Financial Services Guide

A guide to the services we provide.

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Financial Services Guide

Date: 12 August 2026

Hive Empire Pty Ltd ABN 18 118 785 121 (trading as finder.com.au) (Hive Empire) is a Corporate Authorised Representative (CAR 432664) of Finder.com.au Pty Ltd ACN 166 740 398, Australian Financial Services Licence 547310 (Finder AU, "our", "us" or "we").

Finder AU is responsible for the financial services provided to you under this Financial Services Guide (FSG) and has authorised Hive Empire to distribute this FSG.

How to Contact Finder AU and Hive Empire

You can contact Finder AU and Hive Empire using the details listed on the Contact Us page of the Finder Site, or using the details below:

  • Website: www.finder.com.au
  • Address: Level 10, 99 York Street, Sydney NSW 2000
  • Email: legal@finder.com

1. Purpose of this FSG

The purpose of this FSG is to help you understand the services we authorise Hive Empire, acting as our Corporate Authorised Representative, to provide to you, so that you can make an informed decision about whether to use those services.

This FSG contains information about:

  • the types of services and financial products that we have authorised Hive Empire to provide to you (Financial Services);
  • remuneration, commission and other benefits paid to Hive Empire and others in connection with the Financial Services;
  • any associations or potential conflicts of interest that might reasonably be expected to influence the provision of the Financial Services; and
  • the complaint resolution arrangements that apply to the Financial Services and how you can access them.

This FSG contains only general information about the Financial Services.

2. Authorised Financial Services

We have authorised Hive Empire to provide general financial product advice, and to arrange and deal, in the following classes of financial product to retail clients:

  • basic deposit products (for example, bank accounts);
  • non-basic deposit products (for example, term deposits with terms greater than two years);
  • non-cash payment products;
  • derivatives;
  • general insurance products;
  • government debentures, stocks and bonds;
  • managed investment schemes, including Investor Directed Portfolio Services (IDPS);
  • life insurance and life risk insurance products (for example, income protection);
  • retirement savings accounts;
  • securities (for example, exchange-traded funds (ETFs) listed on the Australian Securities Exchange);
  • standard margin lending facility; and
  • superannuation.

General advice

General advice provides you with information about a financial product or service. It may be verbal or in writing and can help you learn more about financial products or services so that you can better assess whether such a product or service is right for you.

Although Hive Empire provides general information on the products offered by a wide range of providers, it does not cover every product or provider in the market, and does not consider your financial situation, needs or objectives (your circumstances).

Hive Empire, acting as a Corporate Authorised Representative of Finder AU, provides general financial product advice. This general advice is disseminated in the form of comparative and general information about the financial products referred to above through various platforms including the Finder Site, the Finder mobile app, e-newsletters, and social media platforms such as Facebook, TikTok, Instagram and YouTube. Hive Empire may also deliver general financial product advice during seminars, webinars and other oral presentations.

Dealing services

Hive Empire also provides dealing services when it arranges for you to apply for, acquire, vary or dispose of a financial product. For example, Hive Empire may refer you to a product issuer with whom it has a commercial arrangement (Partner) — such as by way of a unique hyperlink that redirects you from the Finder Site to the Partner's website — so that you may engage with the Partner directly to apply for or acquire a financial product.

When you receive a dealing service, neither Hive Empire nor the Partner has considered whether the financial product is right for you. You should read the Product Disclosure Statement (PDS) and Target Market Determination (TMD) for the product before deciding to apply for or acquire it.

Important Product Disclosure documents

If you receive general advice or dealing services from Hive Empire in relation to a specific financial product, you should visit the product issuer's website to obtain and review the PDS and TMD for that product. The PDS outlines the risks, benefits, fees and charges of the financial product. The TMD describes the class of consumer for whom the product is targeted. You should consider both documents, together with your own circumstances, before deciding whether to acquire, retain or dispose of the financial product.

Personal financial product advice

Personal advice is a recommendation or opinion about a financial product that takes into account your objectives, financial situation or needs. Under Australian law, only licensed financial advisers are authorised to provide personal advice.

Hive Empire is not authorised to provide personal advice or individualised recommendations. You will not receive a Statement of Advice (SoA) from Hive Empire in connection with the Financial Services.

Although Hive Empire can provide you with comparative information about a range of financial products, any advice it provides will be general advice only and will not be tailored to your personal circumstances. You should not make any decision to acquire, retain or dispose of a financial product without considering your circumstances and understanding that the Financial Services provided by Hive Empire are on a general basis only and may not be suitable for you.

If you require personal advice in relation to a financial product, you should consult a licensed financial adviser. Hive Empire does not currently maintain referral arrangements with personal advice providers.

Lack of Independence Disclosure

Finder AU has an Approved Products List, a copy of which is available on request. As we receive commissions in respect of life insurance products and receive fees based on the asset value of some investments, we are required to disclose that we are not "independent", "impartial" or "unbiased" for the purposes of section 923A of the Corporations Act 2001 (Cth). Hive Empire provides general advice only.

3. Associations and Potential Conflicts

Finder AU and Hive Empire

Hive Empire pays Finder AU a monthly fee to act as an authorised representative under Finder AU's AFSL and to be named on Finder AU's professional indemnity insurance policy.

Partners

Neither Hive Empire nor Finder AU is owned by any fund manager, insurer or bank. The Financial Services are not directly influenced by any financial product issuer or advice provider.

However, Hive Empire is a commercial enterprise and receives remuneration from Partners for advertising, promoting and referring users to their products and services. The specific arrangements are described in section 4 (Remuneration, Commission and Other Benefits). Additional detail is set out in the Advertiser Disclosure available on the Finder Site.

Personnel

Hive Empire engages salaried personnel to deliver the Financial Services. Aside from salary, personnel do not receive any other benefits that may influence the general advice or dealing services that Hive Empire provides.

4. Remuneration, Commission and Other Benefits

Product Issuers (Partners)

Hive Empire earns income by generating qualified referrals to Partners.

A referral is generated when you visit a Partner's website via a link from the Finder Site. If you visit a Partner's website via the Finder Site, Hive Empire may receive a payment either for the click itself or for the resulting application or transaction with the Partner. A payment obligation from a Partner to Hive Empire may arise, for example, when you:

  • apply for an insurance policy;
  • open a savings or transaction account;
  • apply for a credit card, personal loan or home loan; or
  • complete an application on the Partner's website with a view to acquiring a financial product, regardless of the outcome of your application.

Life insurance commissions. For life insurance and life risk insurance products, Hive Empire may receive upfront commissions of up to 60% of the first year's premium and ongoing (trail) commissions of up to 20% of subsequent annual premiums, consistent with the commission caps under the Life Insurance Framework.

Any referral payments or commissions received by Hive Empire from a Partner do not involve any additional cost to you. Use of the Finder Site and associated platforms (including the Finder mobile app) is free.

Sponsored placements

Hive Empire generates revenue from display advertising of Partners and their financial products, which may include banner advertisements, sponsored placements on comparison tables, and exclusive e-newsletter campaigns. Products may be marked as "Sponsored", "Promoted", "Advertisement" or similar. Further detail is set out in the Advertiser Disclosure available on the Finder Site.

5. Protecting Your Privacy

The privacy of your personal information is important to us. We collect personal information only where necessary to provide the Financial Services. For example, we may collect your name and contact details for the purposes of sending you a quote or comparative information about a financial product.

You have the right not to provide the personal information we request, but this may compromise our ability to provide the Financial Services to you. Any personal information you provide will be handled in accordance with the Finder Group Privacy & Cookies Policy available on the Finder Site.

6. Professional Indemnity Insurance

We hold a professional indemnity insurance policy that covers claims in respect of the Financial Services detailed in this FSG where those Financial Services are provided by our authorised persons (authorised acts). These authorised acts are covered even where the authorised person has ceased to be so authorised. Our policy satisfies the requirements of section 912B of the Corporations Act 2001 (Cth) and other applicable financial services laws.

7. Complaints and Dispute Resolution Arrangements

Internal Dispute Resolution

If you are not satisfied with a service you have received while Hive Empire is acting under Finder AU's AFSL, you can lodge a complaint directly with Hive Empire or Finder AU using any of the contact channels listed on the Contact Us page of the Finder Site.

We will generally contact you within one business day to acknowledge your complaint. We will endeavour to resolve your complaint within 30 days (unless we notify you that there will be a delay in our response due to the complexity of the case or circumstances outside our control). Our internal dispute resolution process is designed to comply with ASIC Regulatory Guide 271.

External Dispute Resolution

If your complaint is not resolved to your satisfaction through our internal dispute resolution process, you may refer your complaint to the Australian Financial Complaints Authority (AFCA).

Both Hive Empire and Finder AU are members of AFCA:

  • Hive Empire Pty Ltd (trading as finder.com.au) — AFCA Member Number 42503
  • Finder.com.au Pty Ltd — AFCA Member Number 95829

AFCA is an independent external dispute resolution scheme established to resolve complaints about member companies. AFCA's service is free for consumers.

Contact details for AFCA:

The complaint procedures set out in this FSG do not apply to complaints you wish to lodge against the product issuer of a financial product for which you have applied or that you have acquired. For details of how to make such complaints, refer to the PDS of the relevant product.

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